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SIP Inflows Hit Record Rs 31,002 Crore in Dec; Equity MF Flows Strong

Systematic Investment Plan (SIP) inflows scaled a fresh record high of Rs 31,002 crore in December, marking a 5% monthly increase. Equity mutual funds attracted inflows of Rs 28,054 crore, while Gold ETFs saw a significant surge to Rs 11,647 crore. Analysts note that while equity participation remains strong, investors are focusing more on portfolio balance and diversification. The mutual fund industry's AUM is projected to potentially surpass Rs 300 trillion by 2035, driven by sustained retail participation.

Key Points: Record SIP Inflows of Rs 31,002 Cr in Dec: AMFI Data

  • Record SIP inflows at Rs 31,002 cr
  • Equity MF inflows at Rs 28,054 cr
  • Gold ETF inflows surge to Rs 11,647 cr
  • Flexi-cap funds see sharp pickup
2 min read

SIP inflows at new record high of Rs 31,002 crore in Dec: AMFI data

December sees record SIP inflows of Rs 31,002 crore. Equity MF inflows at Rs 28,054 crore. Gold ETFs & flexi-cap funds also attract strong investor interest.

"Equity participation remains structurally intact, but investors are becoming more discerning - Himanshu Srivastava, Morningstar"

New Delhi, Jan 9

Equity mutual fund inflows stood at Rs 28,054 crore in the month of December as systematic investment plans scaled a fresh record high last month, according to the Association of Mutual Funds in India data released on Friday.

The monthly mutual fund SIP inflows reached a new record high in December at Rs 31,002 crore, compared to Rs 29,445 crore in November. The SIP investments rose by 5 per cent and 17 per cent on a monthly and yearly basis, respectively.

Gold ETFs also registered strong inflows of Rs 11,647 crore in December, higher than Rs 3,742 crore in November, showed the AMFI data.

Flexi-cap funds witnessed a sharp pickup in inflows, reflecting investor preference for strategies that offer allocation flexibility across market capitalisations amid evolving market conditions.

The mutual fund industry reported an overall net outflows of Rs 66,571 crore in December. Hybrid schemes attracted inflows of Rs 10,756 crore, while 'other schemes', including ETFs, saw net inflows of Rs 26,723 crore.

Overall, the flow trend suggests that equity participation remains structurally intact, but investors are becoming more discerning, with greater emphasis on portfolio balance, diversification, and risk management rather than broad-based risk-taking, said Himanshu Srivastava, Principal Manager Research, Morningstar Investment Research India.

Flows remained resilient despite intermittent market volatility, supported by steady SIP contributions and continued confidence in India's long-term growth outlook, he added.

Amid rising participation from Gen Z, women and households from smaller cities and towns, India's mutual fund industry, especially the SIPs, are set to witness robust growth in 2026.

Investors have poured over Rs 3 lakh crore into mutual fund schemes through systematic investment plans until November, for the first time in a calendar year. The data from AMFI showed earlier that SIP inflows in the calendar year touched Rs 3.04 trillion (lakh crore) for the first time, up from Rs 2.69 trillion in 2024.

SIPs have emerged as one of the strongest and most reliable engines of growth for the Indian mutual fund industry. Sustained net inflows, strong market performance, and deepening retail participation, aided by digitisation and financialisation of savings, have contributed to the steady surge in AUM, according to ICRA Analytics. India's mutual fund industry's assets under management (AUM) may surpass Rs 300 trillion by 2035, it added.

- IANS

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Reader Comments

P
Priya S
Started my SIP journey 3 years ago. Best financial decision ever. It's not about timing the market, but time in the market. Seeing these numbers gives me confidence that I'm on the right track along with millions of others. The rise in Gold ETF inflows is also interesting - people are looking for balance.
V
Vikram M
While the SIP numbers are impressive, we must not ignore the overall net outflow of ₹66,571 crore. This suggests some profit-booking or a shift in allocations. Investors are becoming smarter, not just pouring money in blindly. The focus on flexi-cap and hybrid schemes shows a mature approach to risk management.
S
Sarah B
As someone new to investing in India, these trends are encouraging. The emphasis on SIPs makes it less intimidating to start. The part about more women and Gen Z participating is particularly good to see. Financial independence starts with these small, regular steps.
R
Rohit P
SIP is the new RD (Recurring Deposit) for the Indian middle class! My father saved in post office RDs, I'm doing SIPs in equity funds. The mindset shift from guaranteed returns to market-linked growth is real. Hope the markets remain resilient to justify this faith.
K
Karthik V
A word of caution: record highs often come before corrections. While SIP is a great tool, new investors should understand the risks and not get carried away by the euphoria. The data shows diversification into gold and hybrid funds, which is prudent. Always consult a financial advisor.
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